$647M
+2.9%y/y
Percentile by value71st percentileby value
FDIC
ASSETFB
First Bank of Owasso
Owasso, OklahomaFDIC Cert #18592
STATEEstablished 19623 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst Bank of Owasso reported $647M in total assets. Deposits grew 1.91% over the prior year.
Return on assets was 2.73%, compared with an asset-peer median of 1.22%. The leverage ratio was 15.50%.
- Why is Efficiency Ratio below asset peers?
- Why is Return on Assets above asset peers?
- Why is Tier 1 Leverage Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$549M
+1.9%y/y
Percentile by value70th percentileby value
FDIC
DEP$476M
+6.0%y/y
Percentile by value76th percentileby value
FDIC
LNLSNET2.73%
−22 bpsy/y
Peer standing96th percentile
FDIC
NETINC + ROA46.24%
+409 bpsy/y
Peer standing89th percentile
FDIC
NONIX + NIM + NONII + EEFFR15.50%
−10 bpsy/y
Peer standing92nd percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $578M | $517M |
| Q3 2021 | $560M | $497M |
| Q4 2021 | $595M | $531M |
| Q1 2022 | $637M | $574M |
| Q2 2022 | $622M | $558M |
| Q3 2022 | $571M | $507M |
| Q4 2022 | $552M | $485M |
| Q1 2023 | $593M | $522M |
| Q2 2023 | $573M | $499M |
| Q3 2023 | $529M | $454M |
| Q4 2023 | $522M | $443M |
| Q1 2024 | $560M | $479M |
| Q2 2024 | $529M | $445M |
| Q3 2024 | $524M | $436M |
| Q4 2024 | $560M | $455M |
| Q1 2025 | $629M | $539M |
| Q2 2025 | $593M | $500M |
| Q3 2025 | $593M | $498M |
| Q4 2025 | $584M | $487M |
| Q1 2026 | $647M | $549M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $283M |
| Investor CRE | $86.9M |
| Multifamily | $1.33M |
| Construction | $29.9M |
| 1–4 family | $63.7M |
| C&I | $13.2M |
| Agriculture | $1.54M |
| Other | $2.91M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.73%96th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE17.42%79th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY4.77%90th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR46.24%89th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+1.91%35th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+6.01%51st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.01%89th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ15.50%92nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.31%59th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC112%33rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.73%96th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.41%90th 2.27%Observations 173
ROE
FDIC
NETINC + ROE17.42%74th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.25%Median 13.17%90th 21.34%Observations 173
NIM
FDIC
NIM + NIMY4.77%76th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.29%Median 4.15%90th 5.26%Observations 173
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR46.24%90th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.22%Median 61.79%90th 86.32%Observations 173
Deposits YoY
FDIC
DEP+1.91%36th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.24%Median +3.73%90th +13.48%Observations 172
Loans YoY
FDIC
LNLSNET+6.01%54th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.68%Median +5.17%90th +21.90%Observations 172
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.01%87th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.66%90th 3.87%Observations 172
Leverage
FDIC
RBC1AAJ15.50%90th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.08%Median 10.86%90th 15.50%Observations 173
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.31%59th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.47%Median 2.46%90th 3.48%Observations 172
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC112%26th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 38%Median 172%90th 290%Observations 81
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.73%98th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.72%Median 1.39%90th 2.28%Observations 58
ROE
FDIC
NETINC + ROE17.42%74th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.89%Median 13.48%90th 20.15%Observations 58
NIM
FDIC
NIM + NIMY4.77%84th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.48%Median 4.15%90th 4.87%Observations 58
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR46.24%89th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.23%Median 63.86%90th 82.43%Observations 58
Deposits YoY
FDIC
DEP+1.91%30th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.63%Median +4.78%90th +13.88%Observations 58
Loans YoY
FDIC
LNLSNET+6.01%54th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.96%Median +5.37%90th +17.82%Observations 58
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.01%89th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.59%90th 2.61%Observations 58
Leverage
FDIC
RBC1AAJ15.50%95th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.13%Median 10.59%90th 14.20%Observations 58
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.31%70th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.80%Median 2.68%90th 3.60%Observations 58
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC112%6th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 128%Median 203%90th 298%Observations 35
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 3 branches
- Headquarters
- Owasso, OK
FDIC
OFFDOMOpen the Oklahoma dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data